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4635 Sunsail Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 4635 Sunsail Cir, Destin, FL 32541 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,753 sqft · built 1997
Lot Size0.2 acres (8,693 sqft)
Owner2 Individual Names on File
Last Sale$640,000 (Jun 2025)
Tax Bill$5,449 (2025)
Deeds & MortgagesOct 2023 Transfer
Oct 2023 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APNC56-000-589-5003-1

Property Details

APN / Parcel Number

Primary APNC56-000-589-5003-1
Alternative APNs
  • 00-2S-22-0385-0000-0870
  • 22S200038500000870

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,753 sqft Living Area
Gross Area2,547 sqft
1st Floor Area1,753 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 2010
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area8,693 sqft (0.2 acres)
Garage TypeAttached
Garage Area460 sqft
PorchScreened/Unfinished Porch
Porch Area334 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address4635 SUNSAIL CIR
CityDESTIN
StateFL
Zip32541-5725
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNSAIL S/D LOT 87
Legal SubdivisionSUNSAIL S/D
Legal Lot Number87
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1003
Census Tract23308

Owner

Source: Okaloosa County records · APN C56-000-589-5003-1

Assessment roll updated December 31, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address435 KREAG RD, PITTSFORD, NY 14534-3712
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Oct 04, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 04, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 13, 2020Deed of Trust, Mortgage · Conventional Mortgage
SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 02, 2025 · Amount on Record
Deed SaleJun 02, 2025 · Amount on Record
Prior SaleApr 18, 2016 · Amount on Record
Deed Document Number20253757074
Prior Transfer DateAug 24, 2023
Prior Transfer Doc0003650263
Record UpdatedSep 20, 2026

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOKALOOSA FL
Recording DateOct 04, 2023
Property Address4635 SUNSAIL CIR, DESTIN, FL 32541-5725
Document Number0003650263
Map ReferenceMB 15 PG 98-101
Instrument DateAug 24, 2023
Instrument3650263
Transaction TypeTransfer
Record UpdatedNov 16, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address11904 TIVOLI AVE NE, ALBUQUERQUE, NM 87111-5353

Transferred To (Grantee/Buyer)

NameVerified Name
Address3820 SMOKY HOLLOW RD, EDMOND, OK 73013-6821

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOKALOOSA FL
Recording DateOct 04, 2023
Property Address4635 SUNSAIL CIR, DESTIN, FL 32541-5725
Document Number0003650262
Map ReferenceMB 15 PG 98-101
Instrument DateAug 24, 2023
Instrument3650262
Transaction TypeTransfer
Record UpdatedNov 16, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address10309 BALDWIN AVE NE, ALBUQUERQUE, NM 87112-3004

Transferred To (Grantee/Buyer)

NameVerified Name
Address3820 SMOKY HOLLOW RD, EDMOND, OK 73013-6821

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address4635 SUNSAIL CIR, DESTIN, FL 32541-5725
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0034381802
DateJan 13, 2020
Book Page3438/1802
Instrument3329980
Lender
NameSYNERGY ONE LENDING
TypeLending Institution
AddressLOMBARD, IL 60148
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2050

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,449.00 (+13.85%)$460,144 (+4.36%) Land $214,238 Building $245,906$460,144 (+4.36%) Land $214,238 Building $245,906
2023$4,786.00 (+8.97%)$440,929 (+10.04%) Land $137,447 Building $303,482$440,929 (+10.04%) Land $137,447 Building $303,482
2022$4,392.00$400,697 Land $124,952 Building $275,745$400,697 Land $124,952 Building $275,745

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233081, refreshed September 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 95 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies251 units insured
156 under condo master policies
Nearby Flood Claims51 (1983–2005)
Claims Outside the SFHA39 of 51
Most Recent ClaimJul 2005, rainfall accumulation, Hurricane Dennis
Claims By Storm
  • Hurricane Frances, Oct 2004 · 6 claims
  • Hurricane Georges, Sep 1998 · 4 claims
  • Hurricane Opal, Oct 1995 · 38 claims

Coastal Barrier Resources

Coastal Barrier Resources SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOctober 18, 1982
NFIP EligibilityNot eligible (built 1997)
built after the October 1, 1983 cutoff · private flood insurance only

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 459 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
AT&TFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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